Employer Stop Loss
A Full Service MGU Program Manager Offering Responsive Service and a Transparent Process
Through our MGU Program Manager Western Skies, ManhattanLife is standing by producers and self-funded employers with medical stop-loss reimbursement coverage offered nationwide. Western Skies’ advanced underwriting allows producers to offer individualized stop-loss coverage to self-insured employers looking for protection from catastrophic medical and pharmacy claims.
In addition to underwriting coverage, we focus on employer-customized solutions utilizing expert risk assessment, cost containment and pharmacy benefit management tools, and provide producers and employers with responsive, timely claims service.
As a full-service managing general underwriter specializing in employer funded medical stop-loss solutions, we enable producers to offer clients both traditional network options and cost-effective, Reference Based Pricing (RBP) reimbursement models.
- Individualized: Our coverage solutions fit each employer, helping producers and clients control costs year over year.
- Comprehensive: We simplify claims reimbursement by handling the process from start to finish, transparently, so you know where every claim dollar is spent.
- Responsive: We’re there when you need us. Our goal is to build a relationship that you can trust and provide service you can depend on.
Self-funded coverage was created to help employers contain costs. We take that a step further by offering custom-designed solutions based on real risk assessment and the employer’s individual needs.
Our stop-loss coverage is provided by highly-rated insurance carriers providing multiple options for the most competitive stop-loss rates in the industry.
Whether employers need to cover 25 people or 5,000, our medical stop-loss options protect customers’ assets from catastrophic claims and provide you with reliable, responsive and timely claims management.
We place a high value on developing long term relationships with our producer partners. And we want to help you strengthen your relationships with your clients. To do so, we simplify the claims reimbursement process and provide responsive service and transparency from beginning to end. With Western Skies’ advanced underwriting, risk assessment and cost containment, your clients can expect customized solutions and expedient claims service.
- Employer-customized solutions
- Advanced underwriting coverage
- Risk assessment expertise
- Cost containment
- Competitive rates
- Employer-customized solutions
- Advanced underwriting coverage
- Risk assessment expertise
- Cost containment
- Competitive rates
Owned by ManhattanLife, one of the country’s oldest insurance companies, Western Skies is part of a privately held, independent organization with a track record of innovation and an unwavering commitment to stand by policyholders and producers.
Annuities
Our annuities provide customers flexibility, liquidity and competitive returns. There are no set up fees or administrative expenses. Choose from a range of individual, deferred, single premium Multi-Year Guarantee Annuities, Fixed-Index Annuities and Single Premium Immediate Annuities.
Medicare Supplement
We offer Medicare Supplement insurance plans that helps pay for deductibles, co-payments, co-insurance, and other out-of-pocket costs not covered by Original Medicare. Premium discounts are available for household residents who are insured under the same carrier. Additionally, customers have the freedom of seeing any Medicare contracted physician at any Medicare contracted facility of their choice.
Voluntary Benefits
Designed for employer groups, our voluntary products provide financial security, preferred underwriting and pricing for employees, and competitive compensation for our distribution partners. We help employers by offering a customized program that integrates with any employee benefits package.
Individual (Worksite) Life & Health
While our supplemental policies provide additional insurance to help pay out-of-pocket expenses, they also help with nonmedical costs like lost wages or missed mortgage payments. They provide a safety net and the benefits are paid directly to the policyholder. Products can be sold via the workplace or individually. Note: Disability is sold only via workplace.
